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Staff at Tesco's cut up my Credit Card

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  • ---lee---
    ---lee--- Posts: 921 Forumite
    Freddy,

    I’m curious to know if you’re interested in getting to the bottom of this or if you are happy that you got your (new) card back?

    Obviously this thread has generated a lot of interest and quite a few unanswered questions. I’m still following it with bated breath and anxious to know if your going to request a full explanation from your card provider – it is their card after all so ultimately it’s their responsibility to determine what happened or if this is the end of the matter.

    Cheers :beer: and happy new year,

    Lee.
  • shopbot
    shopbot Posts: 1,022 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Judi wrote:
    I cant see any justification in taking the card off someone in full view of everyone,
    Last year credit card fraud cost the UK £500 million pounds. If the retailer is instructed by the Banks Merchant Services to retain the card that it is what they will do. If they don't then the fniancial liability for a loss falls to them. At the end of the day that cost will and is being passed onto you as consumers.

    I am not referring to the OP here : How else do you remove a card from circulation that is potentially stolen/frauduelent/cloned etc? I have witnessed a stolen card being used for £800 of sales in 15 minutes. The banks and retailers often have to take immediate action and the place to do that is at point of sale.
    Judi wrote:
    causing no end of embarressment to the card holder
    I'm not going to blindly defend my fellow retailers here. It's all down to the professionalism and discretion of the staff and like anything this varies.
    Judi wrote:
    and annoyance to those left in queues whilst this is going on
    It's the same people in these queues that are paying for the £500 million of card fraud each year. Personally if I had to wait a little longer to buy my stuff because a potentially suspect transaction was dealt with then I am quite happy to wait. If I lost my card I would hope that retailers would be vigilant enough to prevent it's misuse.

    On a personal level retail staff do not enjoy taking peoples cards off them. It's not a nice thing to do when at the end of the day all you are doing is acting on the instructions of a bank clearing house. There is always the risk of being assaulted by someone desperate to get the card back (ie if it was stolen)
  • System
    System Posts: 178,348 Community Admin
    10,000 Posts Photogenic Name Dropper
    On a personal level retail staff do not enjoy taking peoples cards off them. It's not a nice thing to do when at the end of the day all you are doing is acting on the instructions of a bank clearing house.

    Course they dont, they dont enjoy pocketting the £50 each time either do they?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • carol_a_3
    carol_a_3 Posts: 1,104 Forumite
    Part of the Furniture Combo Breaker
    James wrote:
    Very similar to leaving a store after puchansing something that is security marked and staff have failed to remove the tag thus setting off alarms!

    Any other readers had this experience?

    It happened to me in Boots the other week and is always happening in Asda.
  • shopbot
    shopbot Posts: 1,022 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Judi wrote:
    Course they dont, they dont enjoy pocketting the £50 each time either do they?

    The reason the £50 incentive exists is to ensure that retail staff take the right actions. It would be all too easy for them to simply to not implement any credit card security procedures at point of sale and let all and sundry transactions go through. If these transactions go through then criminals will use this method more and more and card crime will rise again. Any rise in card crime will effect you whether or not you realise it. Increased card charges, increased prices in the shops, increased burglaries & street crime from criminals trying to obtain cards.

    You make it sound like we are a load of money grabbing people who love nothing less than to get at the general public by taking their cards off them.
    We don't. I can think of better things to be doing.
    In the vast majority of these ases we are dealing with card fraud (i.e crime) and not some error as in the OP. If I save the bank a four figure sum by preventing misuse of a card whilst risk being abused, threatened or assualted then the £50 seems fair.

    BTW I earnt £50 this way last year so we are not exactly creaming it!
  • M_Thomson
    M_Thomson Posts: 1,596 Forumite
    Part of the Furniture
    Judi wrote:
    Course they dont, they dont enjoy pocketting the £50 each time either do they?

    Judi,
    As I have said 3 times already on this board, the staff member will only get £50 if the card has been STOLEN and used FRAUDULENTLY. Say for example a customer walks in and tries to use an old card when they have been sent a new card and it is at home the message on the till will say store should retain card. In cases like that they would NOT get £50. Stop jumping on the bandwagon on this thread that seems to think retail staff just keep cards for nothing. You make it sound like there is an army of people who just like keeping cards so they can get £50.
    Obviously the case that the original poster stated is not down to fraud so the staff member will NOT get £50 which kind of makes a mockery of your statement!
  • System
    System Posts: 178,348 Community Admin
    10,000 Posts Photogenic Name Dropper
    M_Thomson wrote:
    Judi,
    As I have said 3 times already on this board, the staff member will only get £50 if the card has been STOLEN and used FRAUDULENTLY. Say for example a customer walks in and tries to use an old card when they have been sent a new card and it is at home the message on the till will say store should retain card. In cases like that they would NOT get £50. Stop jumping on the bandwagon on this thread that seems to think retail staff just keep cards for nothing. You make it sound like there is an army of people who just like keeping cards so they can get £50.
    Obviously the case that the original poster stated is not down to fraud so the staff member will NOT get £50 which kind of makes a mockery of your statement!

    If i am jumping on the bandwaggon, you are getting on your high horse.:snow_laug
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • M_Thomson wrote:
    Judi,
    As I have said 3 times already on this board, the staff member will only get £50 if the card has been STOLEN and used FRAUDULENTLY. QUOTE]

    I've had £50 when customers have left their cards behind and i've sent them back , i actually got one last week.

    I used to get £50 everytime i kept a card for whatever reason but now it seems pot luck as to what card i keep and for what reasons.
    Lightbulb moment Dec 2005 - debt £23700

    June 2010 - £17984.21
  • dc
    dc Posts: 2,547 Forumite
    This seems to be developing into a "Them and Us", "discussion ". The somewhat polarized views of the "unofficial store policemen" and the customers, the former having little sympathy with the innocent of the latter.

    A matter of %'s ?, most are guilty so the innocent don't matter. Until recently the cc fraud was considered as an acceptable risk of the highly profitable industry.

    IMHO, The store side seems to think this action is ok and regards shoppers as would be criminals, not as people who supply their livelyhood. As a shopper, my confidence in the system has been somewhat dented, mistakenly believing that my contract is with my bank and my card suppliers.
    The risks of Internet Shoping seem to be reducing in comparison.

    Is there only one victim in this, the robber banks? Who by the way still make billions, and a multitude of mistakes, which always seem to be against their customers, rarely in their favour

    It reminds me of a relation of mine in the police, who steadfastly believes that everybody around is a criminal who has not yet been caught.

    If it happened to me I would be Extremely angry and would be taking it to the top in all the businesses involved, seeking redress.
    Isn't " Deformation of Character" illegal?

    I find the £150 inducement particularly galling, considering the attitude of MSE shopkeepers, donate it to charity if you have any concience.
    Plus I will look at checkout girls in a different light, from now on ;)

    HNY for 2006
    dc

    Edit
    BTW Freddy, name that store location.
    ac's lovechild
  • M_Thomson
    M_Thomson Posts: 1,596 Forumite
    Part of the Furniture
    dc wrote:
    I find the £150 inducement particularly galling, considering the attitude of MSE shopkeepers, donate it to charity if you have any concience.

    What £150 inducment??!
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